论我国团体保险法制完善的路径选择——以要保人的资格规制为中心

Rebuilding of the Group Insurance Legal System:the Path Choice of Policyholder's Regulation

团体保险已于现今社会担当着重要角色,而我国保险法制中有关团体保险的规定却略显粗糙,即将出台的我国《保险法》司法解释(三)规定得仍不够清晰,如要保单位法律地位不清、保险利益规定不完善等,致使现行立法不足以有效因应实践中丛生的团体保险诉讼争议。针对这一现象,有学者建议构建要保人代理说以作应对,然而要保人代理说自身也存有诸多不足,有违团体保险本质;因此,欲完善我国团体保险法制,应坚持在现有法制下对要保团体的资格属性作法律规制,并辅以道德危险防范措施。

Group insurance play an important role in our society, while there are no regulations relevant to group insurance can be found in the Insurance Act. There are some legal issues occurred in the market due to lack of insurance interest and written consent. So some scholars suggest relying on the agency doctrine to perfect our provisions of group insurance, but there are also some problems of the agency doctrine. In this article, we persist that the policyholder must be the group; beside we should take some measures to prevent the moral hazard.